Top 5 Plans

To find the right travel insurance plan, you want to know which plans have worked best for other customers. All of our travel insurance reviews were submitted by customers who purchased a plan on our site.

You can filter reviews by selecting categories on the left. To see only reviews by people who filed claims, select the Filed Claim option.

Customers rate our travel insurance plans

(4.58 out of 5)

based on 28,131 ratings and reviews.

98% of customers would recommend these plans to a friend or a relative.

Glad I didn't need to use the benefits, but also glad I got the policy. The coverage was quite comprehensive and if I had had any trouble on my trip, I would have been covered. It felt like a lot of money to spend for a policy, but the peace of mind was worth it.

The airline lost our luggage, and when I called a representative, they said I had to wait 24 hours to buy any basic needs, which was quite frustrating. Also, any claims of lost baggage required a sales slip for all items. Why would I have a sales slip from five years ago? Representative refused to put any pressure on airline to locate luggage.

Thank you for your feedback on the policy. We are sorry to learn that your luggage was delayed during the trip. The AXA Assistance USA Gold plan requires a 24 hour delay for the Baggage Delay benefit. The Baggage Delay benefit provides reimbursement for the purchase of necessary personal effects, up to the benefit limits set forth in the policy. All travel insurance providers require receipts of the necessary personal effects purchased as a result of the delay.

InsureMyTrip offers plans from different travel insurance providers which require a 12 hour delay for the Baggage Delay benefit. In the future, please consider calling InsureMyTrip prior to purchasing so that we can help you find a policy that best fits your needs and/or explain policy benefits. Our representatives are available 7 days a week by calling 800-487-4722.

We are sorry to hear that your baggage was lost. The AXA Assistance USA Gold Policy requires that the baggage is delayed for a full 24 hours before the Baggage Delay benefit can be utilized. In the event that the airline is not able to recover your lost luggage, the policy does allow for a claim under the Baggage/Personal Effects benefit without receipts and reads as follows: For items over .00 in value which have been lost or stolen, you must provide documentation of the original purchase price. If the original receipt is not available, benefits will be calculated based upon the Actual Cash Value (cost less proper deduction for depreciation value) at the time of loss. Please accept our apology if this was not explained clearly by the representative and caused confusion. Because we are not directly affiliated with the airline, we are limited in what we can do in order to expedite locating your luggage.

I had the same thing happen to me as well and it was extremely frustrating. I was eventually paid by the airline, but the insurance that I had purchased never would approve the claim. Once the airlines had reimbursed my loss, I dropped the issue and did not pursue anything with the insurance. It taught me a valuable lesson. 1. I make sure I read the fine print on baggage coverage. 2. I take photos of my baggage at the ticket counter as it's being laid on the conveyer belt, and usually I'll include a picture of the Airline agent as well. 3. I have a photo shot of my belongings in that suitcase.
It may sound like a lot of work, but it really isn't. But it’s the only action I know I can take to protect myself. When your bag is either missing, stolen or damaged, they’re first to point the finger at someone else and thus the games begin. You’ll spend a lot of your time explaining the same story over and over to different people throughout the whole process.
It took me nearly 27 days to get the airliner to send me a check to replace the items including the suitcase. Some people thought that was quick and others thought that it was really slow. I really do not know the correct answer.
I now get insurance on my trips, but I carefully read the details of the insurance policy and if I have a question, I will usually write an email to have someone explain it to me. If I am unable too, I move on to another insurance company. I hope this helps others.

Thank you RobF for sharing your post. We are sure others will find your insights and tips helpful. Please let us know if you had any negative experiences with an AXA Assistance USA policy, as we would certainly like to address any concerns. Good luck in your future travels and we hope you will consider AXA Assistance USA for your future coverage.

I have used CSA before and needed to file a claim. Although it seemed to take a long time for a settlement, I felt that what I received was fair and the coverage was good. Luckily, I didn't have to use the insurance this time, but will use it again. and would not travel without it.

Fortunately, we didn't need to file a claim, but I did need to call the toll free number to get help connecting with my credit card company. Long story, but the collect number to use when out of the country provided by the credit card company was "blocked" when I tried to call. The AXA Assistance help line connected me directly to Chase. I was in the Stockholm airport at 8am at the time and I was able to resolve my issue. I saved myself a $10 fee and 24% interest, so I consider my purchase of the AXA plan to have been very, very valuable!